about wal-mart. we will have that next time. it's exclusively her important, but you get so sick of them. money is next. >> nothing but trouble here. back to the department of homeland security reveals that hackers have attempted more than a dozen cyber attacks on the obamacare website but could not get them. when you do, let us know how you did it. melissa: of the president's words used list? he unveiled yesterday allowing insurance companies to reinstate cancel policies. some states are refusing to go along with it. we have an exclusive. florida state insurance commissioner in a moment on what it will cost you because even when they say it's not, it is always about "money." ♪

it will have devastating effects. what is your reaction? we have been working by allowing them to give early renewals.

we will be working with them to reinstate policies if they choose to do so for this transitional time provided by the president. melissa: okay. you have 330,000 people that have been canceled already. if you were ahead of the curve, why did those people be canceled? >> well, those policies are the ones that are primarily with our largest carrier, but cross blue shield, florida blue. they have now agreed to reinstate those policies and work with us over the course of the next year to review the policies that come up to provide their customers with that option, and they represent over 300,000 policies. melissa: how would they do that? the devil is in the details, and you have a lot of companies, it now for example, saying that state regulators need to allow us to up their policies and secure appropriate rates so we can get these plants back to the market. when you are talking about giving these plans reinstated in your state is it for the same

price? >> that remains to be seen. certainly for the 40,000 policies that are going to be, the cancellations that would be rescinded. you have to be put in at the same price. insurance companies get the policies back in place to our rates in place and approved. melissa: the get the policies back at the same rate and what happens to them when the year is out? >> the initial ones would get in at the same rate, but the policies that renew later in the year may be subject to rate increases in the normal course of business. melissa: no one will be happy about that. they're not going to go this route that you have gone.

the commissioner there, i do not believe the president's proposal is a good deal for the state of washington. we are staying the course. why do you differ from his opinion? you geyser in the same role. >> we are in very different marketplaces in washington and florida. working on their own state exchanges has been up and running and operational. they are concerned and rightly so. by allowing these renewals now you will create two different risk pools which could create wider ranges of dislocation and instability in rates in the future. melissa: and ventura that is what louisiana insurance regulators. different rules for different policies. friends to undermine the new market. >> absolutely. the question remains to mar the

end of the people going to keep and renew those policies and not go to in ac a compliance plan and then just have the older, sicker people going in to the ac a complaint plans which means that there will be a creation of pressure, upward pressure. melissa: upward pressure on rates for who? everyone was in the ac a? the help the people come in and populate the database. otherwise it is only going to be the older, sicker people which utilize more medical services. >> it certainly is not a fix. it is several weeks ago. it just takes the can down the road.

the insurance companies say this is a disaster. >> my largest carrier has agreed to reinstate there policies and work to renew the policies. if you have the policy today you can have that policy extended for another yea melissa: but what did they say to you? did they say come i can't believe this is happening, how will we possibly comply? what is the sentiment like? you're dealing with them on a daily basis. i they tearing out their hair? >> a lot of challenges in getting this done, but they think this is in the best interest of the policyholders. melissa: you have a lot of work ahead of you and we appreciate your time in spite of that. >> thank you for having me. i appreciated. melissa: does bring in another

expert. thank you for coming on the show. what do you think of what you just heard? >> i thought that was a very optimistic assessment of the ability to get people back on plans that were canceled. we will see how a turns out. the commissioner seems to be willing to try and seems to a believe it can be done in a timely fashion. i am not convinced across the nation that that is going to be true. the process you referred to would be early renewals. you just cannot do what the president has asked. the states are going to be added. that leads to a situation where the rules are different. that is pretty undesirable for national health policy. melissa: depending upon where you live also differ depending on whether you had one of these policies, all the sudden these

people who are, you know, totally up a creek without a paddle are in a very desirable position, and the next people that will be screaming about how unfair this whole system as. >> you always worry about the cost. you have to 30-year-old man, one of them had a policy canceled. the other has to go into the exchanges and paid $250 a month. the screening will begin. there is no question about it. melissa: and the commissioner told us that this really undermines the president's own plan and his own pool. you know, i think there will be a lot of people in washington who are on the same team with the president or now furious at him for doing that. do you think it is a reality that does force up prices for everyone else? >> you have a serious problem which the commissioner outlined.

young people who can stay on cheaper plans or simply not get in ac a plan and pay the penalty which leaves the older and sicker in the pool. what do you do as a health insurance company when you have just a pool that is older and sicker? well, that is a bad book a business. those insurance companies are not going to be back, certainly not at these prices. much higher, much more government subsidies. and you have a future for the obamacare that is really one that has a diminishing pool that is very expensive and ends up being a government program that looks like a high risk pool that can't be a good outcome. melissa: what is the logical extension? that is outplays out then how do we pay for that? does it just become -- does the government after tremendously supplement this? is so much more expensive than we even thought it would be? >> well, it is more expensive for each person. we have done high risk pools for a long time, and it is pretty

simple. older, expensive patients. the government subsidizes their coverage. too costly to purchase on their own front. and once you have that you have high costs per person, but you don't have very many people. the budget will explode. the policy won't work, and the president's promise to expand insurance coverage is a ris melissa: jack, and meanwhile no insurance company will want to get in apple and provide coverage. >> they're going to have to be brought back in. this is not a good book of business. coming up, the cigarette boom is getting a big boost from all the wrong places commercial school. teens are smoking in all ways. we have a cigarette here to respond to the criticism. and more "money" straight ahead. ♪

>> the stock sweet spot. corporate executives to be playing the system.

former sec commissioner and he joins us now. i was surprised by the number of times of the "wall street journal" dug up that this had happened. over time of 120 days. the lower the guidance. >> it may not be. depends on what the causes are. it's always technically possible for these guys of things to be legal. the one thing i learned in my many years at the sec, something seems to be coincidental to frequently, it is a good

indication that it was not a coincidence. melissa: one case in particular that they focused on, the chief executive of novato wireless. they issued guidance, found out during this time that the largest customer, sprint, was changing their product, going away and it would be a big blow. the time they reaffirmed guidance. he sold stock. they did everything they could to try and keep the business, but it did not happen. lo and behold when they issued earnings it was a big mess. the stock went way down. avoided losing or sold $3 million worth of company stock during that time. does that sound like a clear case of insider trading or is there a way that could be explained away? >> there is way that it can be perfectly legal. because corporate senior executives are frequently in possession of inside information , material nonpublic information, the sec and the

late 1990's passed a rule which allows corporate executives to set up so-called tan b51 plans. under those plans if at the time the plan is set up the executive has no inside information and designates a recurring approach to buying or selling stock, subsequent purchases or sales, even when the executive then learns about the information, would not violate the law. melissa: it would not violate the law. you would you are saying. you may have had a scheduled sell. over this time now want to diversify my portfolio. totally exposed to my own company and every year will sell this many shares. september. he gets material information,

nonpublic. >> not. he did not control the process money finally became knowledgeable. if the use the information in any way whatsoever then he would violate the law. melissa: this larger problem of people not trusting wall street. is there a rule that we could put in place to stop this from happening? and thinking if it happens seven under and 55 times in this six

year timeframe, i don't believe that all of those people had information and were really doing the wrong thing. a lot of it was "incidental, but who cares. i think is there a rule that would take care of this and make shareholders feel better? >> well, you could eliminate, but then i think the shareholders might wind up feeling worse. many execs would say, if i have to gain money to send my children to college or what have you or to get a root canal than, i have no means of doing that when i am invested in my own company stock. melissa: thank you so much. >> my pleasure. melissa: coming up, is it ever a good idea to date a co-worker? some say no way, but others have found the love of their life. 73 percent say the office is the

best place to find a mate. are you one of them? tweet me and tell me. it is today's "money" talker. can you ever have to much "money." ♪ ñ@ç@çpçpçpç÷ñoxmhmhyhyhyhyh

six the use has doubled since last year. aren't kids exactly the customers manufacturers say they are not targetting? the controversy keeps on coming. here now is the founder. thank you for joining us. how do you respond?

this story has been everywhere today. everyone is talking about it. how do you respond? >> thank you for having me on. it is a tough one, but you have to think, we are not targeting kids. just like you would not target kids with vodka or flavored vodka, we have to do it responsibly. regulation is important. melissa: right now it is not illegal for kids to buy. would you said you need to be more regulated? >> you have to be under 18 to purchase some. but hannah and -- melissa: over 18 jack. >> i'm sorry. yet to be over 18, but under 18 you're not allowed. the same thing with tobacco. melissa: should those regulations be even more strict? should they be -- >> why should they? the. melissa: because kids are using them, and you are seeing a dramatic increase. when your marketing something that has flavors like vanilla,

jerry kaj gumi behrman, you would be doing anything that you cannot look like you're pitching to this group. it would make people upset. if i were you from a business perspective i would want to do everything i can to look like i am trying to keep kids away from these products. >> i agree with you 100 percent. but then again, just like kids when they get together, sometimes they will have year. we can do everything we can. nino back in high school sometimes it happens. melissa: but you're not doing everything that you can. you make it a gummy bear flavor, i don't think there are a lot of adults out there that will by and the cigarette that is, very clever. >> welcome are you saying we should not have warns levered vodka? beach flavored vodka? coming toward you draw the line? melissa: dummy bear flavored ease cigarette spirit that is a product not a lot of adults would be interested in. orange vodka, summoned also be

interested. kids inherently don't love warns necessarily as a fridge. gummy bears are a candy targeted kids. if you want to look like you're not trying to entice kids and you're looking down the barrel of the fact that no school kids, the number using has doubled, from a p.r. perspective if nothing else i would want to aggressively get out in front of this and do something. >> i agree 100 percent, but they als have birthday cake faster. what are you saying, the vodka manufactured is to stop? so it is important for us to be responsible. let's look at the broader picture. over 40 million americans today are smoking cigarettes. they are taking this tar effused smoke. it is causing a lot of damage. no, it's a smart alternative because what you're doing is inhaling water vapor in fuse with varying degrees of

nicotine. melissa: is still has nicotine, 90 percent of adult smokers started smoking before they were 18th. let's do away with birthday cake america. and wire you worried about the vodka makers any way? i would be worried about my own business. >> i am not worried about the vodka and not worried about my business. in fact for the 20 years i have been in nutrition one of the things has always been about helping people. i saw electronics cigarettes as a help the -- or a smart alternative for smokers. that is the reason i got into it. when you say the use for kids has doubled over the last year, does that mean there's one another are two or one and three and we had to wonder% increase? the numbers, you're going to have kids smoking cigarettes, smoking tobacco. granted, they should not be smoking cigarettes. granted, they should not be

smokey electronics cigarettes. i agree. you're an ira on the same page. but at the same time, what is the point you want to make? melissa: the point i want to make is that the number of middle school kids smoking, that percentage has gone up by more than tobacco use has declined. these are brand new kids that were not smoking cigarettes, did not switch over. they're brand new kids enticed and have no interest in tobacco. having kids myself, i'm not comfortable with that. at think that as a business you would want to make sure you're doing everything you can to keep kids away. i would not have rhinestones making it appealing to young girls. i would want to make it very clear that it is a vote -- adelle alternative. >> thank you. you mention rhinestones. you know, puff daddy has a vodka

it looks like a diamond or some sort of jim. you know, what you're saying is we want to make a better product that looks good and is attractive with the high perceived value. the bigger picture is we want to take smokers in the united states and give them a smart alternative that over the long haul will have a positive impact i am not saying kids should be smoking electronics cigarettes. by the same token i am not saying kids should be smoking cigarettes. we agreed upon that combative we can take someone who is attracted to would be smoking jerry flavored cigars and get them to jerry electronics cigarettes, the impact is positive. melissa: we have to go. thank you for coming on. we appreciate it. we have all heard of office romances, but turn into epic fail. monica lewinsky. for every one that says don't disappear pain accompanying, some people just can't resist. we have a "money" talker panel

on how right or wrong it really is. you will be shocked. and you made "money" today. the newly public company may have an odd name, but there is nothing funny about their "money." keep watching and find that to it is. piles of

melissa: end of finding love in the workplace they are not alone. a survey shows 80 percent of people prefer to find their perfect partner at work. does that ever turnout well? and luxury real-estate agents jared, what do you think? this is 80 percent of ople? are they in st. >> they are insane. >> they are insane.

>> is a bad career move it does not work out it could put your career and romance on the blind fill all office knows about it. hiking reputation damaged is so essentials. melissa: you talk about your boss those who say they would rather date the man who is senior. >> it is a fine line. i teeter on if i agree or disagree. you are great at what you do you can find different levels of attraction it is also about being professionals you have to have the separation between their personal life and business life that is tough with it tight quarters. melissa: you are single hopefully. [laughter] you are bound to seek

someone attractive you know, them at a very real level ross is at a bar. >> i work in entertainment we cover hollywood couples so think about people and all the "twilight" fans this. >> but what is interesting let me go well because she was with her director that says women and older bosses but now we hear they are back together. >> really? >> vendor stare and the pressures of their job. >> some of the more lucrative and melinda gates

that is a very traditional office with relatively dirty people maybe that is there only exposure. [laughter] >> michelle bauman and barack obama note mets in the losses there is to act more of a of office romance and love but people get caught up with stuff lust. i ended december out. >> i was kidding end now he is blushing. [laughter] >> i'm good. [laughter] >> if you are in a high-pressure career as an actor or a heart surgeon getting calls in the middle of the night he wants someone who understood and your business he will be away three months or get a call at 2:00 in the morning sun makes sense.

>> forget it. it is a terrible idea and not just from the investment standpoint if you get married both of you are in comes are tied to the one company. melissa: that is a great point. that is true. >> one couple both worked at lehman brothers they both lost life-saving as. melissa: very practical this you have these ugly breakup you are forced to see the person every single day that reason alone it would now work out. >> itetracts from productivity if you can get away from the focus of your job and people that they interviewed in the survey said of what can be distracted. as fine as this sounds it could be a problem so stairway from the office. >> that was a good recovery.

>> you pull that back together. [laughter] cement moving to a the next segment. >> it could pull back because sure both at work all the time. >> it sounds like a very messy broom closet with you need to stay away because it is borderline inappropriate. >> the h.r. nightmare because clearly you are never at the same level somebody will be senior and the person is and more junior can say anything. >> so many senior men have been getting sued because of this case does not end well. some companies prohibits this as well. melissa: we will get the

story later. >> and the etf being debated with the government gave everybody a minimum income on a monthly check just to be alive? some economists said it would end poverty and eliminate costly federal programs, could it work? we have both sides.

toxic chemicals and carcinogens are leaching into the environment. it's happening right where we live, work and play. everywhere. cigarette butts are toxic waste. let's stop the toxic litter. learn more at rethinkbutts.org

melissa: imagine a world with peace love carney and you are id to just be alive that is the proposal 8 million coins one for every swiss citizen is a publicity stunt to push the money for every one with no strings attached.

we have both sides of the debate. christian and peter think you to buy the real delights the idea? >> one but just to formalize including the united states we do so in the inefficient manner to give it to the tax code filing and jeff minimum wages it'll pay livable wages into subsidized with a social safety net. imagine if we pulled all those resources and distributed them but to everyone to have a minimum in, concept. melissa: somehow i don't see it could be simplified but still we talk about utopia

so anything is possible. >> you have to get the money somehow. is to very bad defect look at obamacare but for fundamentally don't give them food stamps but cash and let them do what they please however if you do that people just will not work and take that money to say this is what i will do i will go to the beach and have a good time especially young people. if they get older and they need more money they don't have the tools of the experience to get things done in those that tax to so heavily to do it? >> the but we're already doing what you say we give them money for nothing. >> than we do it so inefficiently.

of but not doing and what would be the most good. we can't do what switzerland wants to do they only have 8 million people less than and the size of new york city but the idea we can take the money that we pour into various people to make it more efficient is worth exploring. >> it is nice to talk about it but if you make it efficient a lot of it would not work. the economy would grow much less rapidly. back when ronald reagan was president we did not give away so much money in four years into his recovery we were growing at 5% creating 12 million jobs. mr. obama giving away money has grown less than half that pace and created only 8 million b.c. the benefits of redistribution. it is a tax on growth.

melissa: the other problem is wouldn't it just speed inflationary? based on calculated the minimum-wage wouldn't price levels just rise by that much to do would be absorbed into the system? >> it would give prices would rise to that would continue the incentive for people to work not treating the situation where all of a sudden and nation of selectors for base of the people decide they need to work to get what they wanted in life but he would eliminate abject poverty. melissa: is it friday afternoon? i steal their losing the argument. >> it is because you printed the money. what good is giving people

money if it is worthless? if you pay people not to work they will not work. is that the social policy you want? we do that now that is one of the reasons the adults labor force participation is so loud -- solo. >>. melissa: and there is a big buildup of resentment and that what has created there you have to create this carefully you just cannot superimposed you have to totally reinvent the way the united states does business but the whole idea we subsidize the retirement income of someone who makes more in one year than they could ever spent in a lifetime is stupid. melissa: companies are always looking for different ways to sell you their

products. a product to help you stay classy. you can never have too mh

>> i have been handed a horrifying news story but i need all of you to stop what you are doing and listen cannonball. melissa: something to become very famous and it is not will ferrell but his underwear. into a man needed old school underwear so they called jockeyed not originally set up to be a partnership but

now since they are releasing a line of retro under rare inspired by the character one example of one'' -- and conventional marketing but what do you think? so you have somebody is a dork talking about your product. what do you think? >>. >> a and given as a gift of. >> lot of people can participate. melissa: you would give those? >>. >> marketers are nothing if not opportunistic it is a way to get publicity and promotion -- promotion and

but yet the movie benefits as well because everybody wears the me underwear. >> he is a a huge pitchman because what is surprising is a thing about him is relatively undesirable. >> sa first glance of the call queue we want to make ron burgundy look ridiculous we will show them in a very unflattering light to be brave to turn it into a marketing opportunity takes guts. >> it is a cultural phenomenon why not? >> if you are the brand you have a great opportunity to make your product the center

of attention. >> is a free advertisement. melissa: full flow out with amazing social i can only just showed it to you. >> a pair of legs engineered to most physics to have the most tepid. ♪ melissa: they say that's in israel i don't know. of course? why do you mean. i don't think so. >> everything we see on television supposedly this is really happening. >> they don't want it to be

fake because this is a classic demonstration had to show the stability of the truck some guy stands between them. it is amazing. melissa: it is about their stability is a product fabulous? >> it is less effective than jockey because not that many people will buy that. >> i don't know. they might think you to both video. who made money today? if you bought into their deal you made decent go. you can never have too much money. this right here is the closet we were in.

that was the only thing left of the house. the only thing. red cross helped us and they've literally got us back on our feet. huge outpouring of love just going, "people care." we didn't come out of there saying, "wow, we lost everything!" we came out of there hugging each other, glad that we were okay.

melissa: on wall street's or main street here is who made money today. anybody to bought in suze ipo of zulilly specializing in kids and clothes and toys is surged on the first-ever trading hitting a high 80% above the ipo price ended up selling 71% higher. good for them. the co-founder is former executives from those of blue nile. the cosmetic queen of estee lauder are both executives at the company the stock has

risen 23% this year they each own 17 million shares of estee lauder currently priced at $74 per share they are among the youngest female billionaires' in the world. death former owner of this indeed ring and matching wedding band treated both for tickets to the chief sam broncos game on sunday. they were from a previous marriage she says she plans to surprise her current husband with the football tickets for his birthday on sunday this ring will make a new woman very happy. i hope you made money today. we will see you here. have a fantastic weekend.

we will have that tomorrow. we are all over it. >> this strain of libertarianism is very dangerous. >> we are dangers to the status quo. >> libertarians are coming and we are skeptical of both parties. >> we have made hese anarchy actions. >> come to a libertarian. ice. >> you live in a world of fear. >> more americans are